Springfield, VA · Cert 26875
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Springfield, VA · Cert 26875
FDIC
Q4 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.79% | 0.50% | 0.65% | 0.76% | 0.70% | 0.68% | 0.72% | 0.73% | -3 bps | |
| Return on Equity | -8.87% | 3.46% | 3.81% | 4.03% | 2.68% | 2.62% | 2.76% | 2.76% | -127 bps | |
| Net Interest Margin | 4.96% | 1.93% | 2.59% | 3.01% | 3.88% | 3.89% | 3.95% | 4.01% | +100 bps | |
| Efficiency Ratio | 112.69% | 68.35% | 69.46% | 67.18% | 66.39% | 67.74% | 66.64% | 66.40% | -78 bps | |
| Non-Interest Burden | 5.64% | 1.26% | 1.72% | 1.93% | 2.90% | 2.95% | 2.95% | 2.99% | +105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.10% | 18.34% | 18.94% | 11.97% | 12.15% | -6.07% | -10.40% | -0.61% | -1,258 bps | |
| Loan Growth (YoY) | 6.93% | 12.57% | 8.98% | 8.75% | 4.48% | 2.48% | 1.71% | 4.11% | -464 bps | |
| Deposit Growth (YoY) | 6.98% | -3.36% | -3.66% | -7.15% | -10.58% | -8.80% | -14.42% | -4.57% | +258 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.03% | 1.01% | 1.04% | 1.06% | 1.04% | 1.01% | 1.03% | 1.01% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.50% | 14.12% | 14.63% | 16.56% | 14.34% | 13.74% | 14.86% | 14.98% | -159 bps | |
| Equity / Assets | 8.65% | 23.75% | 23.72% | 26.32% | 25.66% | 25.89% | 26.94% | 26.94% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.69% | 73.37% | 73.70% | 79.16% | 80.26% | 82.44% | 87.59% | 86.36% | +721 bps | |
| Liquid Assets / Assets | 4.89% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |